Hello to all, I have been with AT&T for exactly one year. According to their site, the early termination fee drops for each month you stuck with them. In you've had them for 12 months, the ETF = $115. So AT&T wants to charge me $400 for the 16gb iPhone 3GS. Couldn't I save $85 by paying the ETF and then $199 for the new phone? Paying the $400 renews my contract another 2 years also... Or am I missing something completely?